I have a problem because a payment provider I wish to use to receive GBP funds does not allow me to add a reference number. So if I use the unique GBP IBAN, my funds will just enter a pool and will not be directed to my account. Revolut has given us a unique UK account number with a sort code but this account does not have its own IBAN or BIC.
Also, since the reference number is always needed for the unique GBP IBAN there is a potential risk that this reference number is wrongly keyed in or even forgotten by other payers. This means the transferred funds will also land in the pooled account. So is there a way to solve this problem? I really need a unique UK IBAN without a reference number.